What is a Public Adjuster (PA)?

Most people who have an insurance claim have no idea how to prepare and adjust it — they more or less rely on their “insurance adjuster” to do that for them. BIG MISTAKE! What you must understand is, it is the “insurance adjusters” job is to make company inspired settlements with policyholders, most of whom lack the fundamental information and adjusting skills to be on a level playing field with the adjuster. Public Adjusters can help you level the field.

Knowledge is leverage. The more you know the more power you have. An insurance company’s adjuster is well-trained to cut corners and save their company money and, more and more, look for ways to avoid paying claims. You need someone as well-trained in your corner looking out for your interests. The objective in adjusting should be to get you as good a result as possible, as quickly as possible and as trouble-free as possible. The entire principle of indemnity is based upon restoring or reimbursing one to the extent of your loss.

Unfortunately, most policyholders will continue their fate of dealing directly with…and often ineffectively with the insurer. Due to a lack of information and understanding of their policy, a policyholder is on an uneven playing field with the highly trained negotiator provided by the Insurance Company. Advanced negotiating skills are required.

“A public adjuster is a highly trained negotiator that is employed by you and therefore your advocate in these negotiations.”

Usually the only person representing the insurance company is considered the adjuster, and the policyholder receives his/her adjustment, as previously stated, from a company inspired adjuster. In order to arrive at an adjusted settlement, each side has its own needs to satisfy. The less you know about the process and your policy, the more likely you are to be forced to meet the needs of the insurance company.

You must know your policy provisions. You must know your rights! A Public Claims Adjuster can help you with both of these.

No one knows the outcome of an adjustment beforehand. Therefore, it is impossible to anticipate to what extent either party will give in to the needs of the other. Bargaining power becomes the main ingredient in adjusting. It usually comes about naturally as facts come to the surface.
Adjusting is a matter of give and take, and unless you are dealing from a position of strength and knowledge as a Public Adjuster can offer, you may be forced to give up too much.

Insurance adjusters facing a knowledgeable Public Adjuster usually enter on a more cooperative basis, and there is a strong likelihood that each will strive for common goals.

Usually a policyholder is too emotionally invested at a time following a disaster to properly negotiate a claim. Psychologically, most people are not up to the task under these circumstances. It is very common to see people in a state of shock, confusion and helplessness. A professional Public Adjuster (PA) will be emotionally level and competent.

The time of a personal disaster is not the time to be thinking about all of this for the first time. Think about it now and take comfort in the knowledge that a Public Adjuster can be there to protect your interest if indeed the unthinkable happens to you.